Somerset Regal Bank (FDIC #28778): Bank Stress & Real-Estate Credit Exposure
Somerset Regal Bank (FDIC Cert #28778): bank stress 66/100, elevated, STABLE over 7 days; parent SR BCORP INC.
Somerset Regal Bank (#28778) lends in 6 counties across 1 state; Somerset Regal Bank (#28778) reaches 201 ZIP codes: New Jersey 6 counties, 201 ZIPs.
Somerset Regal Bank (#28778) largest markets: Morris County, NJ (58 branches, 58 ZIPs) (#28778), Middlesex County, NJ (44 branches, 44 ZIPs) (#28778), Somerset County, NJ (165 branches, 33 ZIPs) (#28778), Essex County, NJ (124 branches, 31 ZIPs) (#28778), Union County, NJ (27 branches, 27 ZIPs) (#28778), Hunterdon County, NJ (52 branches, 26 ZIPs) (#28778).
Somerset Regal Bank (#28778) reports $1.19 billion in total assets; Somerset Regal Bank (#28778) equity $178.2 million (15.0% of Somerset Regal Bank (#28778) assets); Somerset Regal Bank (#28778) domestic deposits $925.1 million; Somerset Regal Bank (#28778) net income $1.9 million; Somerset Regal Bank (#28778) return on assets 0.34%; Somerset Regal Bank (#28778) return on equity 2.14%; Somerset Regal Bank (#28778) net interest income $15.8 million; Somerset Regal Bank (#28778) call report June 30, 2026.
Somerset Regal Bank (#28778) noncurrent real-estate loans: none reported; Somerset Regal Bank (#28778) net charge-offs on real estate 0.00%.
Somerset Regal Bank (#28778) net interest margin 2.96% against an eight-quarter Somerset Regal Bank (#28778) average of 3.05% (Somerset Regal Bank (#28778) compression 0.08 points); Somerset Regal Bank (#28778) rate-exposure score 40/100, Somerset Regal Bank (#28778) fixed-rate trap 40/100; Somerset Regal Bank (#28778) risk type credit driven; Somerset Regal Bank (#28778) rate regime rates elevated, Somerset Regal Bank (#28778) snapshot October 20, 2026.
Somerset Regal Bank (#28778) stress score moved from 61.3 on June 22, 2026 to 66.2 on October 20, 2026; Somerset Regal Bank (#28778) ranged 61.3 to 66.2 over 117 snapshots.
Somerset Regal Bank (#28778) alerts: 6 counties; top Somerset Regal Bank (#28778) alert scores: Middlesex County, NJ 40 (moderate); Florham Park County, NJ 23 (low); Somerville County, NJ 23 (low); Springfield County, NJ 23 (low); West Orange County, NJ 23 (low).